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Individual Retirement Accounts (IRAs)

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The best time to save for your retirement is right now, while you're still earning income. IRAs provide tax advantages* that you won't enjoy with other savings accounts. Astera offers different plans to serve different financial goals: Roth, Traditional, and Coverdell Education Savings Accounts. Talk to an Astera representative about our IRA options, and we'll help direct the flight into your golden years.

Details:

Tax-advantaged* way to save for retirement

Competitive dividends above regular savings rates

Minimum balance requirement depends on account

No set up or maintenance fees

$5,250 contribution limit per year

Additional $1,000 "catch-up" contribution for ages 50+

Different accounts available for different needs:

Traditional offers higher limits and new penalty waiver

Roth offers flexibility and no withdrawal requirement at age 70&frac12

Coverdell Education Savings Account to save for post-secondary education for children under age 18

Certificates of deposit combine the value of a CD with the tax benefits of an IRA